Experienced Bankruptcy Attorneys Serving Brunswick, VA
Meet The Lawyers Dedicated to Your Financial Recovery
Overcome Crushing Debt and Silence Creditor Harassment
Are you buried under a mountain of debt, with creditor calls adding to the stress? Without the right support, creditors can exploit your vulnerability. But millions have found relief through a powerful financial tool: bankruptcy.
Bankruptcy offers a way to regain control over your finances and chart a path to a brighter future. Filing can stop collection efforts and give you the breathing room needed to rebuild.
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Having a seasoned legal team can make all the difference in navigating bankruptcy successfully.
At Financial Freedom Legal, our respected bankruptcy attorneys are committed to your financial well-being. We offer free consultations to determine if bankruptcy is the right fit for you, and which chapter best suits your circumstances.You can even chat with us on the weekends or after business hours.
We provide honest, empathetic guidance, helping you understand your options under Chapter 7 or Chapter 13 bankruptcy to either eliminate or reorganize your debt.
Take a deep breath, regain control of your finances, and focus on what truly matters in life.
Complete our form for a free consultation to explore how our bankruptcy lawyers can help you in Brunswick, VA.
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Your Bankruptcy Options in Brunswick, VA
Chapter 7 Bankruptcy: A Fresh Start
Chapter 7, also known as Liquidation Bankruptcy, can help you eliminate debts you can’t repay, such as credit cards, medical bills, payday loans, and personal loans. Once your debt is discharged, you can refocus on other priorities that were sidelined by your financial struggles.
Filing immediately activates an automatic stay, halting all collection attempts, including garnishments and utility disconnections.
In some cases, you may choose to surrender property in exchange for debt relief. Our goal is to help you retain as much of your property as possible, focusing on long-term financial health. Schedule a free consultation to learn if Chapter 7 is right for you.
Chapter 13 Bankruptcy: Reorganize Your Debt
Chapter 13, or Plan of Reorganization Bankruptcy, allows you to repay debts on your own terms. Filing stops collection efforts while you create a manageable repayment plan based on your income and expenses. You’ll typically have three to five years to repay, with any remaining debt potentially discharged at the end.
While Chapter 13 takes longer than Chapter 7, it offers broader debt relief and protects your valuable assets. Many use it to catch up on missed payments or eliminate property liens.
You don’t have to drown in debt. Contact Financial Freedom Legal in Brunswick for a free consultation to see if Chapter 13 could be your solution.
What Kind of Debts Are Addressed Through Bankruptcy?
Foreclosure
Struggling with mortgage payments? Bankruptcy can halt foreclosures and give you the chance to reorganize payments.
Repossession
Is your lender threatening to repossess your vehicle? You can keep your vehicle and get back on track with payments by filing for Chapter 13 bankruptcy.
Garnishment
Don’t lose your hard-earned money to aggressive debt collections. Keep paychecks in your pocket by filing for bankruptcy.
Tax Debt
Tax code is overwhelming and the government has more freedom to collect on unpaid debts than other lenders. Get ahead of tax debts by filing for bankruptcy.
Money Collection
When you’re overwhelmed by creditor calls, emails, and letters, it’s time to seek help. Bankruptcy not only halts debt collections but also provides debt settlement options.
Eviction
Rent is typically one of your largest expenses each month. With so much of your income going towards housing, it can be easy to fall behind. Don’t let missed rent leave you without a home.
Warrant in Debt
Don’t be overwhelmed by court judgments. Stand up to creditors who want to force payments you can’t handle. Opt for bankruptcy to put an end to their tactics and potentially erase your court debt.
Utility Disconnection
When the utility bills start to pile off, you don’t want your services to start shutting off. Keep the lights and settle missed payments through bankruptcy.
Student Loan Debt
Your student loans don’t need to be a constant struggle. Financial Freedom Legal can assist you in filing for bankruptcy to put a stop to collections.
Overwhelming Debt
Are you ready to unlock financial freedom? You deserve the relief and peace of mind that debt liquidation or reorganization can bring you.
Helping Brunswick, VA Through Bankruptcy
After contemplating using the service of Financial Freedom Legal, and consulting with Veronica I decided that my circumstances didn’t necessarily require going this particular route, but if I ever find myself going in that direction Veronica and Financial Freedom Legal will be the company that I will do business with.
Building a Secure Financial Future
Financial Freedom Legal’s team understands that financial recovery is a journey. Our attorneys are committed to helping you build a life free from debt, partnering with financial experts to offer a comprehensive approach, including:
- Financial planning
- Loan assistance
- Home buying guidance
- Vehicle purchase support
- Credit score rebuilding
At Financial Freedom Legal, we take a holistic view of your financial challenges, utilizing a variety of tools to ensure you not only overcome your current situation but thrive in the long run.
Bankruptcy Questions
Will I lose my house if I file bankruptcy?
No, it is entirely possible to file bankruptcy and keep your home. For many people, protecting your home is the number one priority, and our team has your back.
In many cases, filing bankruptcy may actually help to protect your home by helping you to catch up missed mortgage payments or pay other debts that may be affecting your home, such as delinquent real estate taxes, homeowner’s insurance, or homeowner’s association dues.
Will filing for bankruptcy ruin my credit forever?
No, filing for bankruptcy will not ruin your credit forever. It will almost certainly impact your credit upon filing, but in the long run, it may actually put you in a better position to be able to rebuild your credit.
If you are faced with overwhelming debt or you are having trouble keeping up with your monthly bills, filing bankruptcy can help you get rid of your debts or set up a plan to repay them in a way that is affordable for you.
Once those debts are eliminated or under control, you will be in a better situation to be able to really start working to rebuild your credit. Rebuilding your credit after filing bankruptcy is important, and our team is here to provide advice and help get you on the pathway to credit re-establishment and financial freedom.
Can I buy a house after I file bankruptcy?
Yes, you are able to buy a home after you file bankruptcy. You may need to wait a certain period of time—usually a year or two after filing a bankruptcy case—before lenders will be willing to approve you for a mortgage loan, but you may be able to get approved for a mortgage loan even while you are still going through the bankruptcy process, subject to approval by the bankruptcy court.
The Federal Housing Administration (FHA) has also established specific guidelines that set forth the rules and criteria for buying a house after filing a bankruptcy. We are happy to help you learn more about the process, provide guidance along the way, and connect you with our community partners that can assist you in your home-buying journey.
Should I put my house, car, or other property in someone else’s name before filing bankruptcy?
No. Please, do not transfer the deed to your house, title to your car, or ownership of any other property to someone else before filing bankruptcy.
Any changes in ownership made prior to filing bankruptcy could be very problematic, may cause you to lose that property, and potentially prevent you from being able to get the help you need.
Please talk with us about your options at a free consultation before you make any major changes.
Can I get rid of tax debt in bankruptcy?
Sometimes, some tax debt will be eliminated without repayment in bankruptcy. Other tax debt, typically more recent tax debt, will need to be repaid.
You will be set up with a bankruptcy plan to help resolve tax debts and get your life back on track.
Will I lose my car if I file bankruptcy?
No, it is entirely possible to file bankruptcy and keep your car. Having transportation is extremely important and Financial Freedom Legal will work with you to find options that will protect your property.
If your car loan payments are behind, filing bankruptcy can actually help you prevent repossession and keep your car. It is also possible in some cases to keep your car and adjust your loan payment terms so that you end up paying less on the car loan than would be due under the original loan terms.
Does my spouse have to file bankruptcy if I file bankruptcy?
No, your spouse does not have to file just because you file bankruptcy. However, the bankruptcy court may require that you provide some financial information about your spouse when you file your individual case.
If you are married and file bankruptcy individually, your spouse’s debts will not be impacted by your bankruptcy case. Debts that are joint between you and your spouse will be addressed in your bankruptcy, but your bankruptcy will only affect your liability on those debts.
Therefore, if you are discharged from a debt that is joint with your spouse, your spouse will be responsible for paying any portion of the joint debt that remains after your bankruptcy case is over.
Can I finance a vehicle after filing bankruptcy?
Yes, filing bankruptcy does not prevent you from financing a vehicle in the future. Vehicles don’t run forever, so it is actually quite common for people to finance the purchase of vehicles after filing bankruptcy, whether it is a chapter 7 or chapter 13 bankruptcy.
In some cases, you may need to get permission from the bankruptcy court. Financial Freedom Legal will walk you through that process and take the steps necessary to get the court’s approval.
Will my student loans go away if I file bankruptcy?
Probably not. There are some rare circumstances in which some student loan debts can be fully or partially discharged. But in most cases, bankruptcy will not eliminate any portion of your student loan debt.
Our team will gladly evaluate and discuss your specific student loans with you. Even if filing a bankruptcy will not eliminate your student loan debt, it can still help if you have fallen behind on your student loan payments.
As long as you are in an active bankruptcy case, you will not be required to make student loan payments, and creditors will not be allowed to bother you with collection calls or other collection actions.
Should I just pull funds out of my retirement account to pay off my debts?
No. Please do not give away your retirement funds to creditors. Retirement funds are fully protected in bankruptcy under state and federal laws.
Areas We Serve
Amelia, Brunswick, Caroline, Charles City, Chesterfield, Colonial Heights, Dinwiddie, Emporia, Essex, Fredericksburg, Goochland, Greensville, Hanover, Henrico, Hopewell, King and Queen, King George, King William, Lancaster, Lunenburg, Mecklenburg, Middlesex, New Kent, Northumberland, Nottoway, Petersburg, Powhatan, Prince Edward, Prince George, Richmond(city), Richmond (county), Spotsylvania, Surry, Sussex, Westmoreland
Compassionate Legal Support for Brunswick Residents
Overcome your debt, stop collections, and reclaim your life with the help of Brunswick’s trusted bankruptcy lawyers. We provide the support you need to feel in control of your finances again.
Our team will handle your case with care, working diligently to find the best solution for your unique circumstances.
Contact us today to discover how bankruptcy could be the tool you need to achieve financial freedom.
Richmond Bankruptcy Help
Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Foreclosure, Repossession, Garnishment, Evictions, Collections, Warrant in Debt, Student Loan Debt, Tax Debt, Utility Disconnection, Overwhelming Debt,
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Where We Help With Bankruptcy in Richmond
Amelia, Brunswick, Caroline, Charles City, Chesterfield, Colonial Heights, Dinwiddie, Emporia, Essex, Fredericksburg, Goochland, Greensville, Hanover, Henrico, Hopewell, King and Queen, King George, King William, Lancaster, Lunenburg, Mecklenburg, Middlesex, New Kent, Northumberland, Nottoway, Petersburg, Powhatan, Prince Edward, Prince George, Richmond(city), Richmond (county), Spotsylvania, Surry, Sussex, Westmoreland
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